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The ‘sleep easy’ portfolio recommended by your adviser may be riskier than you think

Yikes.

Two sharp falls in a row is enough to get any investor a little nervous. Yes, so far the Dow Jones Industrial Average’s DJIA back-to-back plummets are still only a tremor on any longer-term view. Stock prices are higher than they were even one year ago. Nonetheless for many investors it’s an overdue reminder that stock prices can fall — and fall a long way — as well as rise.

That makes it a good moment, say experts, to take stock of your portfolio. Are you taking on more risk than you want? Worse, are you taking on more than you realize? You may well be.

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